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You are here: HOME>GEORGIA BANKRUPTCY LAW QUESTIONS>COSTS & FEES>PAYMENT OPTIONS

Payment options
in Chapter 7

This is what is required to start your Chapter 7:

Cash option - $299 filing fee + full attorney’s fees payable at case open; or

Financed option - $299 filing fee + attorney’s fees payable as follows:

  • $500 - up front. The remaining balance may be paid with post-dated checks of $300 per month
  • Chapter 7 fees in “time payment” cases will be slightly higher than the cash option.

Georgia Bankruptcy Law Questions

Types of bankruptcy available to me

Will I lose my property if I file?

Alternatives to bankruptcy

Does my spouse have to file?

Will notice be published in the paper?

Have I waited to late to file?

Chapter 7 vs. Chapter 13

Chapter 7 info

Chapter 13 info

Avoiding stress at your court appearance

Getting started

Costs & fees

Why choose Jonathan Ginsberg?

How do I start?

Attorney’s fees in Chapter 7 will range between $1,500 and $3,500 depending on the complexity of your case.

Please note that we do accept MasterCard, Visa and American Express as well as “checkcards.” The bankruptcy law will not allow you to charge something to a credit card, and within a few days, file a bankruptcy to erase that debt. As a result, if you wish to pay my fees with credit card, we can accept cards that belong to your relatives or friends. You can also split your credit card payments among several cards.

Payment options in Chapter 13

All attorney’s fees in Chapter 13 cases filed in the Northern District of Georgia must be approved by the Bankruptcy Judge. The Judges in our district have issued a standing Court Order that explains the fee process.  Previous Orders of this type established a “no look” fee of specific amounts - under the new Order, attorney’s fees must be “reasonable” given the complexity of the case.

Fees in Chapter 13 cases will range from $3,750 to $5,000 over the five year term of your Chapter 13 case.  You will need $600 of this fee up front with the remaining balance payable by the Chapter 13 trustee from funds you pay into your plan.  You will also need to pay the filing fee of $274, meaning that you will need $874.00 to start.

If you are self employed, if this is a second or third Chapter 13 filing or if your case involves unusual legal issues, I may ask for additional fees up front.  At the same time, if your case is very simple, I will quote you a fee that is lower than my standard rate.

I am very aware that if you are filing bankruptcy you probably do not have a lot of spare cash and I will work with you in any way I can to create a fee agreement that works for you..

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